Coverages

Brownyard recognizes the unique exposures and risks faced by professionals in the cosmetics industry. That’s why FOUNDATION is the leader in product liability insurance for cosmetics manufacturers, distributors and importers. Call Teri Pereira at 1-800-645-5820 for more information about these coverages.

FAQs

How do we apply for coverage?

It’s easy! Ask your broker to email, fax or mail the completed required information as soon as you can. There is no need for agents and brokers to be appointed by Brownyard Group to write coverage through our program. We can usually have a quote for you within a few days.

What information is required for a quote?

For Products Liability: Completed, signed Foundation application along with a copy of your product label

For General Liability, Property, Inland Marine and Workers’ Compensation: Completed, signed ACORD applications

Four-year loss run information

Detailed Resume (for clients with under three years experience in the industry)

Copy of Broker’s License, proof of Errors & Omissions Insurance and a W-9 Form

We will need the signed, original application to bind coverages, but no original signature is required to quote

In what states is the coverage available?

Available in all states in the USA.

Are there minimum premiums?

Yes. Our policies are subject to minimum premiums as follows:

$2mil/$1mil – $2,500 (CGL) & $1,500 (Prod Only)

$3mil/$1mil – $2,875 (CGL) & $1,750 (Prod Only)

$3mil/$2mil – $3,250 (CGL) & $2,000 (Prod Only)

$3mil/$3mil – $4,000 (CGL) & $2,500 (Prod Only)

Does Brownyard write Property & Inland Marine coverage?

Yes. See our Coverages tab for more details.

Is Workers’ Compensation coverage available?

Yes. It is available in all states (except AK, HI and the monopolistic states of ND, OH, WA & WY)

What are your carrier’s ratings?

We only write our program through the very best carriers that have ratings of A+ ( “Superior”) or better.

Is your Program admitted?

Yes, our program is admitted in all states.

Are your rates competitive?

The coverages we offer through our program are not only very broad, but very reasonably priced.

Can I get a lower premium if I go directly to Brownyard without a broker and their commission?

No, we value the relationship between you and your insurance representative and encourage you to stay with a local broker for the best possible service.

Do you provide general liability and products liability for cosmetics manufacturers and distributors?

Yes, we can provide general liability including products liability or products liability only in all states.